Privacy policy

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Rajmudra Gold and Forex Private Limited (“Rajmudra Forex”, “we”, “us”, or “our”) respects your privacy and is committed to protecting the personal information you provide while using the Rajmudra Forex App (“App”) and our related services.

This Privacy Policy explains what information we collect, how we use and share it, how we protect it, how long we retain it, and how you can request correction or deletion of your information.

By using the App or our services, you acknowledge that you have read and understood this Privacy Policy.

1. About Rajmudra Gold and Forex Private Limited

Location: Malad West, Mumbai, Maharashtra, India
RBI Status: RBI-authorised Full Fledged Money Changer (FFMC)
RBI Licence No.: MUM-FFMC-1468-2024
Registered Office: SHOP NO.11, GROUND FLOOR, RYNA ARCADE, ZAKERIA ROAD, MALAD WEST, MUMBAI 400064.
Official Website: https://www.rajmudraforex.com/
Privacy / Customer Support Email: rajmudraforex@gmail.com
Phone: 7977890779

2. About the Rajmudra Forex Customer App

The Rajmudra Forex Customer App is the customer-facing application of Rajmudra Gold and Forex Private Limited.

The App allows eligible customers to:

View foreign-currency exchange rates provided by Rajmudra Forex
Create and manage foreign-currency BUY and SELL orders
Provide information required to create and process an order
Select and submit documents required for applicable transactions
Provide payment references for applicable payments
Provide beneficiary and bank-related information where required
View applicable transaction amounts, GST and charges
View order status and transaction information
View pickup and delivery information
Manage applicable transaction-related activities
Request account deletion
Contact Rajmudra regarding orders and services

The App is a customer-facing interface for Rajmudra’s foreign-currency services. Certain banking, payment and document-submission activities may take place outside the App through your own bank, UPI application, email service or other applicable service.

3. Information We Collect

Depending on how you use the App and the services you request, we may collect the following categories of information.

3.1 Account and Authentication Information

We may collect:

Full name
Email address
Mobile phone number
Authentication-related information
Information associated with Google Sign-In, if you choose to use Google Sign-In

This information is used to create, authenticate and manage your customer account.

3.2 Contact and Address Information

Where required for your account or transaction, we may collect:

Address
City
PIN code
Area
Delivery address
Delivery instructions
Other contact information provided by you

This information may be required to process applicable pickup or delivery services.

3.3 Identity and KYC Information

Depending on the transaction and applicable requirements, we may require identity and supporting documents or information such as:

Passport
PAN card
Aadhaar, where applicable
Visa, where applicable
Air ticket or travel information, where applicable
Other documents or information required for KYC, regulatory or transaction verification

The documents and information required may differ between BUY and SELL transactions and may change according to applicable legal and regulatory requirements.

3.4 Order and Transaction Information

We may collect information relating to your orders and transactions, including:

BUY or SELL transaction type
Currency selected
Currency amount
Exchange rate
INR transaction value
GST
Delivery charges, where applicable
Other applicable transaction charges
Order date
Order status
Payment status
Pickup or delivery method
Pickup or delivery information
Cancellation information
Refund information
Transaction history

3.5 Payment and Banking Information

Depending on the transaction, we may collect payment-related information provided by you, including:

Payment reference or UTR
Payment status
Beneficiary name
Bank name
Bank account information
IFSC or other applicable bank details

For BUY transactions, applicable booking advance and remaining balance payments may be completed using the payment methods specified by Rajmudra.

For SELL transactions or eligible refunds, bank details may be required to process payment or refund.

The App does not function as a bank or payment processor.

We do not ask you to provide your UPI PIN, ATM PIN, card PIN, banking password or other confidential authentication credentials to Rajmudra.

4. How Documents Are Submitted

The App uses the Android system document picker to allow you to select applicable files from your device.

Supported document formats may include PDF, JPEG, PNG and WebP.

When the applicable document-submission process is used, the App may open the email application available on your device with the selected files attached. You then send the email to the designated Rajmudra email address.

Once you send the email, the email and its attachments are processed through your email service provider and Rajmudra's designated email system.

Your email provider's own privacy practices may also apply to the email and its attachments.

5. How We Use Your Information

We may use your information to:

Provide Our Services

Create and manage your customer account
Process BUY and SELL orders
Communicate order status
Arrange applicable pickup or delivery
Provide customer support

Verify Transactions

Verify your identity
Verify KYC information and documents
Verify payment references
Verify beneficiary or bank information
Process eligible refunds
Complete applicable transaction verification

Meet Legal and Regulatory Requirements

Comply with applicable RBI and foreign-exchange requirements
Meet applicable KYC and anti-money-laundering requirements
Maintain transaction and business records
Respond to lawful regulatory or government requirements

Protect the App and Our Services

Authenticate users
Protect customer accounts
Prevent unauthorised access
Detect and prevent fraud, misuse or abuse
Maintain the security and reliability of our systems

Customer Support

Respond to enquiries
Resolve order-related issues
Investigate complaints
Assist with transaction-related matters

6. How We Share Information

We do not sell your personal information.

We may share or provide access to information where reasonably necessary for the following purposes:

Rajmudra Personnel

Authorised Rajmudra personnel may access relevant information for:

Order processing
Document verification
Payment verification
Transaction processing
Pickup and delivery fulfilment
Refund processing
Customer support
Regulatory and record-keeping requirements

Technology Service Providers

We use technology service providers, including Google and Firebase services, to support:

Account authentication
Database operations
Application security
App integrity and abuse prevention

Email Service Providers

When you submit documents or communicate with Rajmudra through your own email application, your email service provider processes the email and its attachments according to its applicable policies.

Government and Regulatory Authorities

We may disclose information where required or permitted by applicable law, regulation, court order, government authority or regulatory requirement.

Fraud Prevention and Legal Compliance

We may use or disclose information where reasonably necessary to detect, prevent or investigate fraud, unlawful activity, security incidents or regulatory violations.

7. Firebase and Google Services

The App uses certain Google and Firebase services, including:

Firebase Authentication
Cloud Firestore
Firebase App Check
Google Play Integrity
Google Sign-In, where applicable

These services support account management, order data, authentication, application security and protection against unauthorised or abusive access.

Technical information such as device type, operating-system information, App version and information relevant to application security may be processed by these services as part of providing their functionality.

8. Permissions Used by the App

The App requests only the permissions required for its functionality.

These include:

Internet access
Notification permission, where enabled by the user

The App does not request access to:

Camera
Precise location
Contacts
SMS
Call logs
Broad device storage or photo-library access

Document selection uses the Android system document picker.

9. Data Security

We use reasonable technical and organisational measures to protect information against unauthorised access, alteration, disclosure, misuse or destruction.

Security measures may include:

Account authentication
Firebase App Check
Google Play Integrity
Secure network communication using HTTPS/TLS
Firestore security controls
Access controls for customer and transaction information

No method of electronic transmission or storage can be guaranteed to be completely secure.

You are responsible for keeping your account credentials secure and should notify Rajmudra if you believe your account has been accessed without your authorisation.

10. Data Retention

We retain information for as long as reasonably necessary to:

Provide our services
Process and maintain orders
Maintain customer and transaction records
Provide customer support
Prevent fraud and misuse
Resolve disputes
Meet applicable legal, regulatory, tax, accounting, audit and record-keeping requirements
Protect our legal rights and enforce applicable agreements

Certain KYC, transaction, financial, audit or regulatory records may need to be retained even after your account is deleted where retention is required or permitted by applicable law or regulatory requirements.

11. Account Deletion

You may request deletion of your Rajmudra Forex App account.

In-App Account Deletion

You can use the Delete Account option available within the App.

When an account deletion request is processed:

Your applicable Firebase authentication account and customer profile are deleted
Information that is not required to be retained may be deleted
Certain order, transaction, KYC, financial, audit or regulatory records may be retained where required or permitted by law
Information necessary for legal, regulatory, fraud-prevention or record-keeping purposes may continue to be retained

Deleting your account does not necessarily result in deletion of information that Rajmudra is legally required or permitted to retain.

Website Account Deletion

If you cannot access the App, you may submit an account deletion request through our official account deletion webpage:

https://www.rajmudraforex.com/account-deletation

We may verify the request before processing it in order to protect the account from unauthorised deletion requests.

12. Your Privacy Choices

Subject to applicable law and legitimate business or regulatory requirements, you may:

Request access to personal information we hold about you
Request correction of inaccurate information
Request deletion of your account
Raise a privacy-related concern or complaint
Contact us regarding the handling of your personal information

Where information is required to be retained for legal, regulatory, transaction, audit or other legitimate purposes, we may retain that information notwithstanding an account-deletion request.

13. Children's Privacy

The App is intended for eligible customers who can legally use foreign-currency exchange services.

The App is not directed toward children.

We do not knowingly collect personal information from children where such collection is prohibited by applicable law.

14. International Processing

Certain technology and service providers used by Rajmudra, including Google and Firebase, may process information using infrastructure located outside India.

Where this occurs, information may be processed subject to the applicable security, contractual and legal safeguards of the relevant service providers and applicable law.

15. Grievance Officer

For privacy-related grievances or concerns, you may contact our designated Grievance Officer.

Grievance Officer: [INSERT NAME]
Email: [INSERT GRIEVANCE EMAIL]
Phone: [INSERT PHONE NUMBER]
Address: [INSERT OFFICIAL ADDRESS]

16. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes to: